Multi-Family Hard Money Loan Program – California
Our Multi-Family Hard Money Loan Program provides fast, flexible financing for investors acquiring, refinancing, or repositioning multi-family real estate. Multi-family properties offer strong monthly cash flow and long-term passive income potential, and this program allows investors to capitalize quickly on growth opportunities.
| Loan Amounts | $100,000 – $2,500,000+ |
| Property Type | Multi-Family |
| Loan Type | Purchase or Cash-Out – 1st & 2nd Trust Deeds |
| Loan-to-Value | Up to 65% on Refinance; Up to 70% on Purchase |
| Terms | 1–4 Years with Balloon – Interest Only Payments (Amortization Available) |
| Occupancy | Owner Occupied & Non-Owner Occupied (Business Purpose) |
| Underwriting | Equity-Driven – Bank Statements – No Tax Returns Required (other docs may apply) |
| Property Valuation | BPO Required; Appraisal Required for 5+ Units |
| Interest Rates | 1st Trust Deeds from 9.99% – 2nd Trust Deeds from 12.50%* |
| Points & Fees | 2+ Points plus Underwriting & Valuation Fees starting at $3,495+ |
| Timeline to Fund | Typically 7–14 Business Days |
| Guaranteed Interest | 3–6 Months |
| Good to Know | Acquisition, Construction, Recapitalization, Rehabilitation & Repositioning |
| FICO | Low FICO – BK – NOD – Foreign National – Self Employed Considered |
Who This Program Serves
- Multi-family investors expanding their portfolio
- Owners seeking recapitalization or cash-out strategies
- Investors repositioning underperforming assets
- Developers stabilizing properties before long-term financing
- Borrowers transitioning into conventional take-out financing
What Makes Our Program Different
- Equity-Focused Underwriting
Lending decisions are based primarily on property value and equity position rather than strict income documentation. - Speed & Certainty
Same Day Term Sheets and fast closings, often within 7–14 business days. - Flexible Structure
Available in 1st or 2nd position for purchase, cash-out, or repositioning strategies. - Broad Use Cases
Supports acquisition, rehab, recapitalization, and stabilization strategies. - Bridge-to-Exit Strategy
Designed to transition into long-term conventional or agency financing.
Strategic Advantages
- Close quickly on competitive multi-family opportunities
- Access equity to reinvest or expand portfolio
- Preserve liquidity with interest-only payment options
- Overcome conventional underwriting barriers
Why Mortgage Vintage, Inc.?
Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans secured by California real estate.
✓ Same Day Term Sheets – Professional Service
✓ Easy Loan Submission – Quick Turnaround – 7 Day Fundings
✓ Fast, Flexible and Transparent Loan Process
✓ Over 30 Years Financial Industry Experience
✓ Funding Based on Committed Terms
✓ Surety of Funding through CrowdTrustDeed’s Simple and Secure Online Marketplace
✓ Se Habla Español
All loans must be secured by California real estate.
Contact:
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
